Privacy Policy — Kharcha Manager

Last updated: April 30, 2026

Kharcha Manager ("the app", "we", "our") is a personal finance and expense tracking app built for individuals and households. This policy explains exactly what data the app collects, where it is stored, and how you can control it.

1. Summary

• Transactions, accounts, categories, budgets — Stored on your device only (SQLite). Only you can access it.
• Shared profile data (if enabled) — Stored in Firebase / Firestore. Accessible only to you and invited members.
• Sign-in email / identity — Stored in Firebase Authentication.
• App update configuration — Firebase Remote Config (no personal data).
• Subscription status — Managed by Google Play.
• SMS transactions (if permitted) — Stored locally on your device only.

2. Data Stored Locally on Your Device
All core financial data — transactions, accounts, categories, and budgets — is stored in a local SQLite database on your device.

• Never sent to any server unless you enable shared profiles
• Remains on your device unless you uninstall or clear app data
• Not accessible to us or any third party

SMS data is processed locally and never transmitted.

3. Shared Profiles and Cloud Data
Shared profiles are optional and opt-in.

• Stored in Google Firebase Firestore
• Accessible only to invited members
• Requires sign-in via Firebase Authentication
• Email is stored only for authentication and access control

If you do not use shared profiles, all data remains on your device.

Roles in Shared Profiles

• Owner: Can invite members, rename, delete, and control sharing
• Member: Can view and add data but cannot delete the profile

4. Permissions
SMS (Read Messages)
Used only to import transaction messages.

• Processed locally
• Never sent to servers
• Accessed only when you initiate import

You can deny this permission and still use the app.

Internet
Required for sign-in, syncing, updates, and subscriptions.

5. Authentication
We use Firebase Authentication.

• Email address
• Firebase user ID (UID)
• Authentication tokens (managed by Firebase)

Passwords are never stored or accessed by us.

6. Subscriptions (Kharcha Pro)
Handled entirely by Google Play Billing. We only receive subscription status (active/expired). No payment details are shared with us.

7. App Updates
Firebase Remote Config is used to check for updates. No personal data is collected.

8. Data We Do Not Collect

• Name, phone number, or address
• Device identifiers or advertising IDs
• Location data
• Analytics or usage tracking
• Crash reports

9. Third-Party Services

• Firebase Authentication — Google LLC
• Firebase Firestore — Google LLC
• Firebase Remote Config — Google LLC
• Google Play Billing — Google LLC

Google Privacy Policy: https://policies.google.com/privacy

10. Data Retention

• Local data: Until app is uninstalled or data cleared
• Shared data: Until profile is deleted
• Authentication: Until account is deleted

11. Your Rights — Data and Account Deletion
Local data: Delete by clearing app data or uninstalling.

Shared data:

• Delete profile from app (instant deletion)
• Or email: vivekgoyal.vg29@gmail.com

Subject: Data Deletion Request
Include your account email. Requests are processed within 14 business days.

12. Children's Privacy
Not intended for children under 13. No data is knowingly collected from children.

13. Changes to This Policy
We may update this policy. Changes will be reflected in the updated date and app notifications if significant.

14. Contact
Email: vivekgoyal.vg29@gmail.com
Subject: Privacy Policy Inquiry

Kharcha Manager is independently developed and not affiliated with Google LLC.